Impilo yakho yezeMali
Ekuqaleni kwalonyaka ndibone i inqaku isuka kwi-CNBC ibalaselisa ukuba i-60% yabantu baseMelika baya kugxothwa ematyaleni ngendleko zoncedo olungxamisekileyo lwe- $ 1,000. Oku kuyothusa kakhulu kwisizwe siphela kwaye kunganeziphumo ezibi kakhulu kuqoqosho lwethu ngexesha lokudodobala kwezoqoqosho okulandelayo.
Njengomfundi wangaphambili kwezemali, ezemali kunye noqoqosho beziluthando kum ukushiya intsimi kunye nokusebenza kwishishini. Ndacinga ukuba eli inokuba lithuba elihle lokwabelana ngeekhonsepthi ezimbini endikholelwa ukuba zinokwenza umahluko omkhulu kwinqanaba lomntu ngamnye kwaye unexabiso elincinci kumncinci omncinci.
- Amandla emiSebenzi emihla ngemihla
- Amandla oDibaniso olunomdla
Amandla emiSebenzi emihla ngemihla
Iplagi yothintelo ikufanele iphawundi yokunyanga-uBen Franklin
Ngokufana nomntu ofuna ukuqala ukutya okutsha okanye inkqubo yokuzilolonga, iziphumo azizukubonwa ngobusuku, kodwa ukuba zenziwa rhoqo, iziphumo zinokubakho ngokuhamba kwexesha. Impilo yezemali ilandela iphepha elifanayo kwimpumelelo.
Thatha lo mzekelo wokonga i- $ 10 ngemini. Le $ 10 ingadibanisa ukuya kwi- $ 3,650 ngonyaka. Ukuba igcinwe iminyaka emihlanu, iyakufika kwi- $ 18,250 ngaphambi kwayo nayiphi na imiphumo yenzala ehlanganisiweyo enokufunyanwa kulondolozo.
Ukuba ngumgcini wetha akukho lula kwaye kufuna urhwebo olunzima kude nezigqibo kunye nokulibazisa ukuzonwabisa, umbono wokubeka into ngononophelo okanye uyonwabisa ngoku, ukuze ufumane into emnandi kamva. Nangona kunjalo, ukuba uyakwazi ukuqala ngotshintsho oluncinci olulula kwaye wakhe i-fund reservation fund okanye uthathe ithuba lomdlalo we-401k nomqeshi wakho, uya kuba ufumana ngaphezulu kwe- $ 1 yedola nganye egciniweyo.
Amandla oDibaniso olunomdla
Umdla ophakathi ngummangaliso wesibhozo kwihlabathi liphela. Abo bayiqondayo, bayifumana; kwabo bangakwenziyo, bayihlawule - Albert Einstein
Xa kuziwa kwimpilo yezemali, ukuqala ukonga kwasekuqaleni ebomini kunempembelelo enkulu kwixesha elide kwaye kungenxa yamandla obutyebi obudibeneyo. Thatha le tshathi ilandelayo ibonelelwe yiVanguard ebonisa amandla okonga kunye notyalo mali lwe- $ 1 kwiminyaka eyahlukeneyo ngokusekwe kwimbuyekezo yonyaka eyi-4%.
Idola enye etyalwe kwi-20 yobudala, otyale imali kwi-4% kwiminyaka eyi-45 uyakuxabisa phantse i $ 6! Okanye i- $ 3,650 egciniweyo kumzekelo wokuqala, ukuba bekukwiminyaka eyi-25 inokukhula ibe lixabiso le- $ 17,520 kulo mzekelo. Ukugcina kudityanisiwe kunye nokutyala imali eseleyo ukuze kukhule ixesha elingaphezulu njengoko uEinstein watshoyo, isimangaliso sesibhozo sehlabathi.
Xa sithatha ityala lokuthenga, siwela kwimeko efanayo, kodwa emuva. Oko akuthethi ukuba lonke ityala alilunganga, nangona kunjalo kubalulekile ukuqonda inqanaba lenzala esityalwa kunye nobude bemali mboleko ukuze siqonde ngcono iindleko zokuthenga kwethu ikhaya, imoto okanye ukusebenzisa ikhadi lethu letyala yokuthenga.
Ukuvala:
Ezi ziikhonsepthi uninzi lwakho mhlawumbi uyazi kwaye lufana nemikhwa yezempilo, elula kwithiyori kwaye kunzima ngakumbi kuyo ukuziqhelanisa. Nangona kunjalo ndiyathemba ukuba uza kufumana ixabiso kwezi ngqondo kwaye ndikunqwenelela okona kulungileyo ekufumaneni impilo yakho yezezimali.